Clipping of news on Brazilian Culture, Law and Citizenship
01/22/2013
This article was translated by an automatic translation system, and was therefore not reviewed by people.
Check out what precautions to take regarding the origin, documentation and condition of the vehicle and what are their rights in case of default
One tip is to bring confidence to the mechanic to assess the car dealership before purchase Gustavo Azeredo / O Globo
RIO - With 0km car prices on the rise due to the gradual return of the Tax on Industrialized Products (IPI), remember that by opting for a used one must take some care for that cheap does not go out and purchase expensive stop in banks' complaints procons or in court. A specialist in Consumer Procon-SP Renata Reis lists five key points to which the consumer must be aware of: the origin of the car (if it will be purchased directly from a dealership or owner), the condition of the vehicle, if the documentation is in order, payment terms, warranty and deadlines established by the Civil Code and Consumer Protection.
- Buy a used one is a good option because when you leave the dealership has a car depreciates about 20%. Often this is the difference between a new car 'naked' one used with all optional comfort. However, you also need to take several precautions before buying, because there is the risk of leaving the customer with a 'pump' in hand very expensive and cheap - strengthens the financial educator and president of the organization DSOP Financial Education, Reinaldo Sundays.
Knowing the product is the first step to secure the purchase. Renata suggests that consumers ask your trusted mechanic to assess the state of the car. The two must go together to the dealership or, if the purchase is made directly from the owner, the place combined. By identifying a problem, the consumer can negotiate with the seller repair or a discount on the final price, if you choose to buy the car with addiction.
To verify that the documentation and payment of fines are up to date, the consumer simply write down the license plate number and the make and Renavam consultation on DMV. According to the agency in the State, the information contained in the register, for security reasons, are for the exclusive use of the system, but you can consult the website on fines DMV-RJ. Click the icon Fines / Queries / or Fines Fines Inquiry and enter the numbers of the vehicle Renavam and CPF / CGC owner.
At the site of the DMV-RJ can also find listings of vehicles with irregular documentation and stolen vehicles or stolen.
Another important precaution is to check the ownership of the car, says Renata:
- Do not buy cars from third parties. If the dealer wants to do this kind of business requires first that she transfer the car to her name and then to his. Only those who can sign the transfer is the owner of the vehicle. The same goes for buying direct. If you are buying a car that is in the name of 'John Doe' negotiate directly with him, not with his cousin, a friend of the owner of the car.
The transfer is the process of updates information in the DMV Database and National Index Base (BIN) of the National Registry of Motor Vehicles (Renavam), with the issuance of new documents, arising from the sale of the vehicle.
According to the Brazilian Traffic Code (CTB) after purchasing the used vehicle, the owner must schedule by telemarketing or by the DMV site-RJ, the transfer of property within the statutory period of 30 days.
Compare the Total Cost Effective and opting for the lower rate
By financing your car payment, do a survey among financial to see which one offers the lowest Total Cost Effective (CET) and opts to submit the lowest rate. That means you have chosen the funding that will offer you the lowest cost to the discharge end of the plots.
The CET corresponds to all charges and expenses incurred in the lending and financial leasing, contracted or offered to individuals, businesses or small businesses. The fee must be informed by the financial institutions and the leasing companies before contracting of loans and leases and also at any other time at the request of the customer.
- If you often delay payment of installments in time to choose the lender also takes into consideration the amount of interest charged for delay. This can weigh considerably in your pocket - underscores the specialist Procon-SP.
This analysis must be done carefully and calmly advises Renata. Therefore, avoid entering the wave of the seller when he argued that the car is being highly sought after and you should close the deal as soon as possible, not to lose it.
Source: The Globe - Online
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This article was translated by an automatic translation system, and was therefore not reviewed by people.